Hartford and many other disability insurance companies employ nurses to do preliminary reviews of medical records. The cost of a nurse on staff versus a physician is much less for a disability insurance company. Also, the claim rep assigned to your disability insurance claim is not a medical profession and they have no idea how to interpret your medical records.
It is OK for an insurance company to use a nurse, but if the nurse makes a determination that differs from your orthopedic, then it is a big problem for the insurance company.
Unfortunately, these nurses think they know more than some doctors and we have seen Hartford Disability Claims denied based upon only a nurse review.